Model a level annual withdrawal schedule from a Roth balance built through a Mega Backdoor Roth strategy or other Roth sources. The planner applies a constant annual return, subtracts the planned withdrawal each year, and shows whether the balance lasts through the selected horizon. It is useful for testing retirement-spending scenarios after accumulation is complete. The tool does not decide whether withdrawals from a particular Roth 401(k) or Roth IRA are qualified or whether rollover and ordering rules affect taxes or penalties.
1. Enter the starting Roth balance
Use the amount available when withdrawals begin.
2. Set the annual withdrawal
Enter the level dollar amount you want to test.
3. Choose a time horizon
Use the expected retirement-spending period or another planning window.
4. Set a return assumption
Use a long-term scenario rate and stress-test lower returns.
5. Review depletion risk
Check the ending balance and whether the account reaches zero before the horizon ends.
Growth is applied before each year's withdrawal, and withdrawals are capped at the remaining balance.
Roth account tax treatment depends on the account type and distribution rules. A rollover from a designated Roth account to a Roth IRA can also affect which rules apply.
The result is a balance-sustainability estimate under constant withdrawals and returns.
It does not model sequence-of-returns risk, required distributions for beneficiaries, or account-specific qualification rules.
Given
Calculation
Year 1 ending balance = $500,000 × 1.05 − $30,000 = $495,000. Repeat for 25 years.
Result
The modeled ending balance is about $261,364 after 25 years, with $750,000 in total withdrawals if the account remains funded.
The schedule works in this constant-return scenario, but lower or more volatile returns can produce a different result.
No. It models only the balance. Distribution qualification and rollover rules differ by account type and personal circumstances.
Yes, but the model caps the final withdrawal at the available balance and reports the year of depletion.
The calculator holds the dollar withdrawal constant. If you want inflation-adjusted spending, run separate scenarios with higher annual withdrawals.
No. This page models only the Roth balance and the withdrawals you enter.
Use a range of scenarios rather than one expected number. The calculator accepts negative rates so you can test downside cases.